Question

I have a score of 615 right now which is poor. I need atleast a 640 for a mortgage for a home. Right now I have some old credit cards and some auto loans in collections, but some have been removed from my credit report. I have 4 credit cards that are nearly maxed out, and one car loan for a year in which i have never ever missed a payment. I have 29,878 in debt right now. The upside is that in a little less than 3 months i will have full access to my trust fund that contains around $400,000 How should i start to clean up my credit so I can get approved for a home loan so i dont have to pay cash??? any input would be much appreciated.

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